When we met with our attorney-it was back in January. The economy was bad then but not like it is now. I have wondered about changes that will be coming next year and I really need to talk to him about it. He didn’t start our file until March when we put our deposit down and we have been paying him and the court fees off ever since. This though has me wondering and I definitely need to talk to him about it. Thanks again!

I’m wondering if your BK attorney has talked to you about the possibility of changes in the bankruptcy law? The Bush Admin has been totally opposed to modifying the “reforms” that were written into law in 2005 by the credit card companies, but the new admin and Dem congress seem very likely to review that. People are pretty unhappy about the fact that normal people are getting screwed to the wall by companies that have gambled our pensions, mortgages and 401Ks at 40 to 1 leverage and lost and are now expecting average people to bail them out.

It may mean that you have to hold out a few more months to see which way the wind is blowing in the legislature, but it could potentially save you thousands if means tests are done away with.

You might want to check out http://www.creditslips.org which is run by bankruptcy law professors including Elizabeth Warren who is now in charge of the bailout oversight committee. They are very much on top of BK legislative changes.

Again, good luck to you.

I am curious about the Catastrophic insurance. I am going to look into that one too. My thing is-these insurance companies have sooo many loopholes to protect themselves-what do they actually consider a catastrophe? We know what we would consider a catastrophe…

Good luck-hopefully things will change soon-I have my fingers crossed.